The best way to reduce your home insurance premium is to cut the risk of the insurer having to pay out. This can be done in a number of ways –
1. Fit a burglar alarm in the home,
2. Put latest and advance locks,
3. Join a neighbourhood watch scheme,
4. Install security lighting,
5. Reduce fire risk – Install and maintain smoke alarms.
6. Increase the standard policy excess – If you are willing to cover more of the cost of any claim then you will reduce your home insurance premium.